Hilton Honors American Categorical Enterprise Card overview
The Hilton Honors American Categorical Enterprise Card is a helpful lodge enterprise card. With mid-tier Hilton Gold elite standing, automotive rental standing and nice earnings on Hilton purchases, it supplies premium advantages (enrollment required for choose advantages). If Hilton is your organization’s lodge chain of selection, this card may very well be a worthwhile addition to your pockets. Card ranking*: ⭐⭐⭐
*Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Hilton Amex Enterprise card is made for small-business homeowners, however you do not want a bustling workplace or dozens of workers to use. A aspect hustle or consulting gig that requires journey is greater than sufficient to qualify for a small-business card.
Probably the greatest perks of the Hilton Enterprise card is its computerized Hilton Gold elite standing. From every day meals and beverage credit to room upgrades (primarily based on availability), this card can present significant advantages proper from the beginning.
With a $195 annual charge (see charges and charges), the cardboard is not going to interrupt the financial institution for many. Candidates accepted for the Hilton Amex Enterprise sometimes have a superb to wonderful credit score rating.
Let’s look at the Hilton Amex Enterprise card in additional element that can assist you determine whether or not it is the precise lodge card in your pockets.
Hilton Amex Enterprise Card execs and cons
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Hilton Amex Enterprise Card welcome provide
New Hilton Amex Enterprise cardmembers can earn 175,000 bonus factors after spending $8,000 on purchases within the first six months of card membership.
In response to TPG’s October 2025 valuations, the 175,000 bonus factors are price $875.
This is not the best provide we have seen within the card’s historical past, however it’s elevated and meets our standards for when to use.
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Take into account that Amex has a “as soon as per lifetime” coverage on card gives and states the next:
You is probably not eligible to obtain a welcome provide when you have or have had this Card or earlier variations of this Card. You additionally is probably not eligible to obtain a welcome provide primarily based on numerous components, corresponding to your historical past with bank card stability transfers, your historical past as an American Categorical Card Member, the variety of bank cards that you’ve got opened and closed and different components. If you’re not eligible for a welcome provide, we’ll notify you previous to processing your utility so you may have the choice to withdraw your utility.
Associated: One of the best bank card welcome bonuses obtainable
Hilton Amex Enterprise Card advantages
The Hilton Amex Enterprise gives quite a lot of advantages and perks for $195 annually. Enrollment is required for choose advantages.
- Complimentary Hilton Honors Gold elite standing: With Gold standing, you may earn an 80% factors bonus on Hilton stays, the fifth night time free on award redemptions, elite tier rollover nights, complimentary breakfast or meals and beverage credit, room upgrades (when obtainable) and extra.
- Complimentary Nationwide Automobile Rental elite standing: Cardmembers obtain Nationwide Automobile Rental Emerald Membership Government standing. Advantages embrace assured upgrades, entry to Government Space automobiles and no second driver charges.
- Expense administration instruments: As a enterprise cardmember, you may have entry to instruments like QuickBooks integration, Vendor Pay by Invoice.com and extra.
- Hilton assertion credit: Earn as much as $240 in assertion credit every calendar 12 months (as much as $60 every calendar quarter) for eligible Hilton purchases. Eligible purchases embrace room reservations at Hilton properties and incidental expenses corresponding to dinner or spa therapies.
- Journey protections: Obtain helpful buy and journey protections whenever you pay together with your card.
- Improve to Diamond standing: You may attain Diamond elite standing by means of the tip of the subsequent calendar 12 months after spending $40,000 together with your card in a calendar 12 months. Diamond standing comes with much more advantages, corresponding to higher upgrades (when obtainable), government lounge entry, a 48-hour room assure and extra — although in order for you this tier of standing, you are probably higher off making use of for the Hilton Honors American Categorical Aspire Card, which gives Diamond standing as a built-in perk.
Whereas this is not a stellar set of advantages, they’re acceptable for the annual charge. That stated, this card will likely be arduous to justify paying for annually in the event you do not stick with Hilton a minimum of a few occasions yearly.
In case you do not anticipate having the ability to reap the benefits of the complete as much as $240 Hilton assertion credit score every calendar 12 months (as much as $60 every quarter), you could wish to take into account one other hotel-cobranded enterprise card.
Associated: Your full information to buying protections on American Categorical playing cards
Incomes factors on the Hilton Amex Enterprise Card
With the Hilton Amex Enterprise card, you may earn 12 factors per greenback spent at Hilton Resorts and Resorts — a 6% return on spending in accordance with TPG’s valuations.
You will additionally earn 5 factors per greenback spent on all different eligible purchases (as much as $100,000 every calendar 12 months, then 3 factors per greenback spent after that).
As with Hilton’s different bank cards, you may get the perfect return on Hilton purchases. You will get a 1.5%-2.5% return on spending in your different business-related spending, primarily based on our valuations.
Different playing cards provide higher worth, such because the American Categorical® Enterprise Gold Card or the Ink Enterprise Most well-liked® Credit score Card.
The data for the Ink Enterprise Most well-liked has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Since Amex Membership Rewards lets you switch factors to Hilton, the Amex Enterprise Gold generally is a nice complement or different to the Hilton Amex Enterprise card.
Associated: How you can choose a method in your small-business bank cards
Redeeming factors on the Hilton Amex Enterprise Card
As with most lodge loyalty packages, the perfect worth comes from utilizing your factors earned with the Hilton Amex Enterprise card on lodge bookings.
You may redeem your Hilton Honors factors in a number of methods. Resort redemptions provide the perfect worth, whereas Hilton occasion reductions, Hilton Honors Experiences and Amazon purchases provide poor worth.
Whereas Hilton Honors does not have a printed award chart, the Factors Explorer instrument can present you the award redemption worth vary over the subsequent 30 days. This may help you understand what to anticipate when contemplating areas for utilizing your factors.
TPG contributing editor Matt Moffitt likes to redeem his Hilton Honors factors to guide three- and four-star accommodations overseas. These properties have a tendency to supply the next redemption worth than these within the U.S.
He goals to guide five-night stays, as he solely must pay for 4, because of the elite standing that comes together with his Hilton cobranded playing cards.
Associated: Final information to the Hilton Honors loyalty program
Transferring factors with the Hilton Amex Enterprise Card
Hilton gives a number of airline switch companions to switch the factors you earn on the Hilton Amex Enterprise card. These embrace notable choices like Air France-KLM, British Airways, Delta Air Traces and United.
Hilton factors sometimes switch at a poor fee; for instance, when transferring to United, you may solely obtain 1,000 MileagePlus miles in trade for 10,000 Hilton Honors factors.
Given the poor worth of this redemption possibility, it is not often really useful to make use of your Hilton factors for airline transfers. Even when it’s good to high off your airline rewards stability, there’s probably a greater and extra value-conscious option to do it.
Associated: From the Florida Keys to the Maldives: 7 nice methods to make use of 130,000 Hilton Honors factors and a free night time reward
Which playing cards compete with the Hilton Amex Enterprise Card?
The Hilton Amex Enterprise card is Hilton’s solely enterprise card. Nonetheless, it faces stable competitors from different cobranded lodge playing cards and customary enterprise playing cards.
For added choices, see our checklist of the perfect enterprise bank cards and the perfect American Categorical playing cards.
Associated: How you can apply for an Amex enterprise card
Backside line
You could be hesitant to pay an annual charge on a bank card or surprise if the $195 annual charge on the Hilton Amex Enterprise card is price it. Take into account how a lot worth you may get out of the cardboard’s computerized Hilton Gold standing, as that may be a deciding consider whether or not this card is for you.
The Hilton Amex Enterprise card has benefits for enterprise vacationers who incessantly keep at Hilton properties. Nonetheless, others ought to go for one other lodge card or enterprise card.
Apply right here: Hilton Honors Amex Enterprise card
For charges and charges of the Amex Hilton Enterprise card, click on right here.
For charges and charges of the Amex Marriott Bonvoy Enterprise card, click on right here.
For charges and charges of the Amex Enterprise Gold card, click on right here.
